Allen Claims Public Adjuster -Blog

How Human Error Affects Public Insurance Claims

Mon, 05 Jun 2023 19:12:47 GMT

Human error can have a significant impact on public insurance claims , often resulting in delays or denials of claims. Public insurance claims are filed by individuals or businesses for losses resulting from natural disasters, accidents, or other unforeseeable events. When filing a claim, the insured party must provide all necessary information accurately and in a timely manner. According to IBIS World, there are 44,034 Claims Adjusting businesses in the United States as of 2023. Unfortunately, mistakes and errors can occur during this process, which can lead to complications and delays. That's why it's important to find a reputable expert. Let's discuss a few examples of errors.

Incomplete and Inaccurate Information

One of the most common human errors that affect public insurance claims is incomplete or inaccurate information. This can include failing to provide all necessary documentation or evidence to support the claim or providing incorrect information about the value of the losses. It can result in the insurance company rejecting the claim or delaying the payment until all the information is provided.

Missed Deadlines

Another common human error that affects public insurance claims is missed deadlines. Insurance companies typically have specific deadlines for filing claims, providing additional information, or appealing a decision. If the insured party misses any of these deadlines, the claim may be denied or delayed, even if it was valid.

Fraud and Misrepresentation

In some cases, fraud or intentional misrepresentation can also affect public insurance claims. This can include intentionally providing false information about the losses, exaggerating the extent of the damage, or attempting to claim damages that are not covered by the insurance policy. Insurance companies take fraud very seriously and will often investigate claims thoroughly to ensure that they are valid.

To avoid human error affecting public insurance claims, it's essential to ensure that all information is accurate and complete, all deadlines are met, and the claim is filed promptly. Human error can have a significant impact on public insurance claims. By working with experienced professionals, the insured party can help ensure that their claim is processed efficiently and that they receive the compensation they are entitled to. Contact Allen Claims Public Adjuster to get started with our services. Our team would be happy to help!

About Allen Claims

7080769468 — Thu, 06 Apr 2023 21:52:25 GMT

ALLEN PUBLIC ADJUSTERS

Commercial & Residential Public Adjusters

You wouldn’t use the opposing sides lawyer in a lawsuit…
Why are you allowing your insurance company to adjust your claim?

Wind & Hail, Fire, Tornados, Hurricanes, Flood, Roof Damage, & More

Allen Claims – Public Insurance Adjusters

Allen Claims Inc. a Public Adjusting Firm protecting the insureds. We deploy experienced, licensed, bonded, field claims professionals that diligently work to properly adjust your claim, and represent you and your interests claim to the insurance company. We advocate and fight for you.
Our PA’s do not work for the insurance company.
Hiring us is more than smart; doing so allows you get your life back. We won’t just manage your claim; we relieve you of the unrelenting chaos, confusion, ongoing stress, and frustration involved with documenting, and fighting the insurance company for what you’re owed. Let us help you today.
– You’re probably here for several reasons, but usually it comes down to one of these two –
1) You know better than to handle your claim. 2) You’re stressed and “I’ve had it”!, onset by “D3″…

D3 = Delay. Deny. Defend.
Many massively profitable insurance companies claims departments, and their adjusters follow this:
D) = Delay the claim to frustrate the policyholder so they eventually give up pursuing the claim.
D) = Deny coverage of the claim, & insureds covered damages, frustrating the insured further.
D) = Defend denials until the insured eventually gives up pursuing the claim (or is forced to pay).
We have the experience, expertise, & endurance, to fight for you to be indemnified properly.
Allen Public Adjusters are insurance claims professionals that work to protect the you, the insured; we inspect, appraise and negotiate first party claims with the best interest of the insured in mind. Roles of Allen Public Adjuster often include interpreting insurance policies, assessing property damages, drafting estimates of repairs, finding and determining coverage, documenting claims & explaining the claim process to the insured.
Utilizing a Public Adjuster has been studied and proven to be smart & effective.
The Office of Program Policy Analysis & Government Accountability (OPPAGA), a research arm of the Florida Legislature providing data, research, and objective analyses to assist the legislative budget concluded that by using public claims adjusters, insurance claim payouts are 747% higher on average, than claims without a PA.
We, along with many attorneys, business leaders and experienced insurance professionals around the globe recommend that you not try and fight the insurance company on your own. If you do so, you may not necessarily lose (or know that you did)… but almost certainly you will not be payed what you are owed.

Although we specialize in handling large losses, we know that everyone needs help, which is why we continue to maintain a “no dollar minimum” policy – from the $0 denial to $100 million+ – we are on your side.
Your own free claim analysis is just a few clicks away.
1) Click on the type of property that applies to you. 2) Send us a note via Contact Us, or, call us today.
You have everything to gain. The claim review is free. Contact us today!

Allen Claims

Thu, 06 Apr 2023 21:52:22 GMT

Allen Claims is a fully licensed and bonded public adjusting firm headquartered out of Kansas City, Missouri. We handle claims with the sole purpose of protecting you, the insured.
Our story is a humble one of a real estate and construction magnate that lost it all in the fall of the great recession. While rebuilding houses damaged by storms in El Paso TX, I found insurance adjusting as a career I could align with. Travel, income, long hours, hard work, and mores set in ethical mortar. Hell yes. So, in 2009 our adjusting career began, utilizing business acumen harvested from real estate, finance, and construction.
As a Catastrophe Adjuster I worked tirelessly for insurance companies doing good work and “keeping the promise” as established by the provisions of the policy. As an independent adjuster, I would inspect commercial and residential properties for damages, document the loss, estimate the damages, and pay what was determined to be owed under the policy. It was anything but typical and it was work worth doing. I would belay from rope, climb 4-story buildings to inspect steep roofs; sift through mud and muck after hurricanes all the while making certain I was finding all the damages I could to make certain to pay the policyholder every penny they were owed. It was awesome. Brutal, yes, but awesome. I felt like a hero everyday back then. My own resume spans thousands of claims, helping policyholders affected by Hurricanes, Hail storms, Wind Storms, Fire, Vandalism, Business Interruption, Flood, Backup Sewer, and more. It was invigorating work to “Do the right thing” day-in/day-out, and get paid to do it. To me, it was more of a calling, with mores that aligned to the core of my US Marine Corps character. As the years went on, individually, and as a collective group, we adjusters noticed that the corporate culture was changing… then in 2017 it shifted suddenly, and not in a good way. Independent Adjuster pay was cut; the work hours and micromanagement of that work increased; Corporate Trainers were let go altogether, experienced leadership given the early-out, and worst of all for the masses, the policy now seemed to hold the weight of a “maybe” where once a firm promise was present. I, and many other adjusters witnessed the insurance companies we worked for and loved, now disallowing us to pay the legitimate claim for what was owed under the policy. Our hands were tied it seemed, at least for a while. This shift, albeit disappointing and disheartening, was a wake up call. Eventually, those same insurance adjusters would switch sides and began representing you, the insured.
We are Allen Claims, and we are your Public Adjuster.
We represent you, the insured. We hold your insurance company accountable to the promise you paid for.
We document your loss, and we fight on your behalf with the knowledge, experience, and know how that you need.
We fight so you don’t have to.
Do the right thing: That mantra is at an essence Who we are: How we work; What we do;

Allen Claims is licensed through the Department of Insurance providing expert assistance to policyholders throughout the claim process. We seek the right and equitable financial compensation for our clients, and exceed the industry standards set by NAPIA , the National Association of Public Insurance Adjusters. We work to hedge insurer fraud by documenting and supporting the American Policyholders Association.

We work with commercial property owners, management companies, small businesses, corporations, as well as individual homeowners alike. Our extensive work in Catastrophe Zones (areas affected by natural disasters) such as hail storms, wind, Derechos and 15+ hurricane deployments as of 2021 has provided us the extensive field experience and policy acumen to to aptly assist and vigorously defend the clients we represent.

As insurance carrier’s continue to tighten their belts by underpaying claims and relying on conflicting protocols; what they call covered damage and then delay, deny and defend. The need for us advocating for and assisting policyholders continues to grow. Insurance carriers hold significant leverage over their insureds, and when they deny, underpay, Allen Claims Inc. levels the playing field.
Insurance carriers hire biased “experts”, and rely on inexperienced & unlicensed “inspectors” to represent their best interests.
Policyholders can do the same by hiring Allen Claims Inc. to represent and protect them. You are not alone.

We secure licensing to work in any of the 50 US states, to include Washington D.C., Puerto Rico, & The Virgin Islands.

Commercial Insurance Claim

Thu, 06 Apr 2023 21:52:18 GMT

COMMERCIAL PROPERTY CLAIMS

Hail, Wind, Fires, Tornados, Derecho, Hurricanes and more.
Commercial Property Claims Professionals

Don’t file & try to handle your insurance claim alone.
We specialize in commercial property claims representation.

We help commercial property policyholders handle their insurance claims with greater efficiency, effectiveness & success than they can on their own, with substantially less stress.

Filing your commercial claim is something that insurance companies may want to rush you through. The process is involved and often difficult especially from the standpoint of the field adjuster. Very often, the field adjuster is inexperienced to commercial losses and that lack of knowledge and care can be a disaster after your incurred catastrophe. We’ve seen it, time-after-time. These issues and more can leave many things forgotten, underpaid, delayed and worse, the insurance carrier defending a poor claims adjustment. When you hire our team to handle your commercial property claim, we file all the paperwork for you. We will contact your insurance company, meet the adjuster (if they have one), provide your proof of loss, make certain you are in compliance with your policy and duties after a loss, and continue to take the claim to settlement. Our licensed and experienced commercial public claim adjusters handle your claim on your behalf, which reduces not only stress on your part but also spoken and written mistakes, while making sure the rest of the claims process runs as smoothly as it can. Even if your property has been inspected, and closed with a partial payment received, that doesn’t mean it was done right. We will represent you and take your claim the distance by documenting the claim for what you are actually owed, not just what the insurance company wants you to take.
Commercial property claims are the foundation of what we do.
We read & interpret policy, then fight for every penny you are legally entitled to.

Allen Public Adjusters are Commercial Property Claims Specialists

* Engineers that understand commercial construction and damages from the loss
* Experienced Large Loss Estimation
* MatterTagging® Implementation
* Matterporting® Documentation Process
* Metal Roof Documentation
* Business Interruption

* Architects that interpret commercial building design
* Commercial Policy Interpretation Professionals
* Complete Inspection w & w/o Insurance Adjuster
* Moisture Mapping Management
* Coring and Membrane/Built Up Roof Documentation
* Loss of Rents

Filing Home Insurance Claims Tips

Thu, 06 Apr 2023 21:52:02 GMT

Floods, Fires ... and Home Insurance Claims

These tips could make it easier to file for damage to your property

By Penelope Wang, AARP

EN ESPAÑOL

March 20, 2023

Here’s a scary statistic: About 70 percent of homeowners who filed claims after the 2020 California wildfires reported problems with their insurer, including difficulty getting claims paid, according to a survey by United Policyholders, a nonprofit that advises consumers on insurance claims. That’s just one incident, but take the message to heart: Following a natural disaster, you’ll commonly find yourself struggling with your insurer to cover damage to your home and its contents. But there are ways to help reduce the chances of insurance battles, both beforehand and during the crisis. To help speed up payments if disaster strikes, take these steps.

1. Know your coverage

Right now, before any crisis, review your homeowners or renters policy to verify which claims can be reimbursed. In addition to losses from fire and smoke, standard policies cover damage caused while putting out a fire. If a disaster leaves your home uninhabitable, these policies also reimburse you a certain amount for living expenses, such as rent or hotel bills, restaurant meals and transportation.

Pro tip: Set up time with your insurance agent or a representative from your insurer to talk through disaster scenarios unique to your home and property. What coverage would you have if wind knocked that maple tree in your front yard onto your home? If a fire is caused by human error? If a leaky old pipe damages a wood floor? Sometimes talking it out is easier than deciphering a policy’s fine print.

2. Focus on flooding

This is key: Most home insurance policies do not cover flood damage. For that, whether you own or rent, you must purchase a private flood policy. Homeowners, generally speaking, can get up to $250,000 in coverage for the structure itself; owners and renters can get up to $100,000 in coverage for the home’s contents. For more information and links to companies selling insurance in your area, go to the government website FloodSmart.gov . Be aware: After a storm that includes high winds, rain and flooding, expect insurers to dispute the true cause of the damage, in hopes that the other insurer is on the hook to pay up.

The presence of flooding may make it difficult to convince your insurer to pay your claims, as Jennifer Hauber, 69, discovered. In September her rental home on Florida’s Sanibel Island was hard hit by Hurricane Ian, which caused wind and rain damage, as well as flooding from storm surge. Hauber, who had renters coverage, filed a claim for losses to her personal property. But citing the flooding, the insurer has so far denied her claim, saying the damage was not covered. She has received only a $250 check to cover the spoiled contents of her refrigerator. “I’ve made repeated phone calls, but the insurance company won’t review my claim,” she says.

Pro tip: If you’re hit by flooding or another disaster, you can also reach out to the Federal Emergency Management Agency (FEMA) for financial assistance and direct services. Hauber received almost $3,000 in aid from FEMA.

3. Prepare for the adjuster

Once you file a claim, your insurance company will assign an adjuster to assess the amount of your loss. Pull together a record of the value and purchase dates of the items in your home ahead of time. Take photos or a video of your belongings in and around your home once a year and store that information online or with an out-of-state friend or relative. After a disaster, collect receipts for your living costs and, if possible, repair estimates. “The more you can document your property losses before the adjuster arrives, the faster the claims-filing process will go,” says Douglas Heller, director of insurance for the Consumer Federation of America, a nonprofit advocacy group.

When the insurance company adjuster arrives, be sure to point out all the damage and provide the adjuster with detailed notes, documentation and bills for any emergency repairs you may already have had done. Don’t hesitate to ask questions, Heller says. Is the adjuster an insurance company employee or someone brought in from outside? How much experience does the person have? Adjusters’ backgrounds may affect their understanding of the costs of rebuilding in your area.

Pro tip: Verify the identity of the adjuster and any other workers that come by. Ask for, and confirm, a contractor’s license. During natural disasters, scammers often show up, as well as fly-by-night contractors asking for cash down for doing repairs.

4. Contact your mortgage servicer

Homeowners who are still paying off their mortgage often don’t realize that their insurer will put the mortgage servicer’s name on a settlement check to protect the lender’s financial interest in the property. So call your servicer right after filing a claim to learn what you have to do to get your lender to cosign the check and release the money, says Janet Ruiz, director of strategic communications for the Insurance Information Institute trade group. Failing to do so may delay receipt of your funds from the insurer.

Pro tip: To find the contact information for your servicer, check your monthly mortgage statement for a phone number or website.

5. Track the claims process

While you may get money up front to cover immediate essentials, it could take weeks or months to get a full damage estimate and full payment. Insurers are often swamped by claims in the aftermath of disasters. The United Policyholders survey found that 58 percent of 2020 California wildfire respondents had not yet settled the dwelling portion of their claim 12 months later. In short, you’ll need to stay on top of your claim until it’s fully paid.

If the insurer says your policy excludes coverage of certain damages, or offers an amount that you consider too low, demand that the rep identify the exclusion or limit to your policy in writing, says Gary Baca, president of Counter Point Public Adjusting in Los Angeles. Perhaps the adjuster did not know how to accurately estimate the value of your property; that may require supplying additional documentation or a new repair estimate, Baca says. And if an insurer denies a claim by saying it was flooding, not wind or rain, that caused the damage, you can appeal the denial and supply additional documentation, such as expert reports, including a contractor’s opinion, or photographic evidence.

Pro tip: You may be assigned a new adjuster several times during the claims process. Keep a detailed record of your contact with the insurer so you don’t have to start from scratch, Heller says.

6. Consider getting help

In some cases, you may want to hire a public insurance adjuster — an independent adjuster who works for you, not the insurer, and represents only you in your claim. This can make particular sense if the insurer is offering much less than you think you deserve, and if you’re finding the negotiations and paperwork too complicated to handle. “If you’re displaced from your home — especially seniors who are very vulnerable — it can be really helpful to have an expert assist you,” Baca says. In return, you’ll pay a fee, often on a contingency basis and typically capped at 10 to 15 percent of the insurance payment. (Some states have no caps.) To find a public adjuster, go to the National Association of Public Insurance Adjusters website. Ask for references and check that the adjuster is experienced , as well as licensed in your state (though some states don’t require licensing).

Pro tip: If all else fails — for example, if you believe that your insurance company has broken the terms of your contract — consider hiring a plaintiff’s attorney who specializes in insurance law, as well as filing a complaint with your state’s department of insurance or, for a flood claim, with FEMA.

Penelope Wang is an award-winning personal finance journalist who has worked at Consumer Reports and Money magazine.

Residential Insurance Claim

Thu, 06 Apr 2023 21:41:57 GMT

RESIDENTIAL PROPERTY INSURANCE CLAIMS

From Wind & Hail to Tornados, Hurricane, Flood, Fire & More, We Can Help

You should be unwilling to accept less than you are owed from your insurance claim, especially
when considering your high insurance premiums. We’ll deal with the insurance company on your behalf so you don’t have to. We are your Public Adjuster. We are experienced Residential Home Insurance Claim Adjusters.

Do you have property damage to your home, second home or rental dwelling due to windstorm, hail , fire , tornado , water , derecho or hurricane ? If so your residential property insurance claims public adjuster is here to help. When your home has suffered storm or fire damages, you’ll need to determine if the damage is worthy of filing an insurance claim. There are many things to take into consideration before calling the insurance company. Allen Claims is a public adjusting group that has licensed and trained specialists who adjust and recover residential property insurance claims for damage losses to homeowners’ property.
Allen Public Adjusters work solely for you, the policyholder -we DO NOT work for the insurance company.

Each of our Residential Public Adjusters has an extensive depth of knowledge of residential claims.
We deploy field experienced residential claims specialists that provide a full scope of damages for the work to be completed.
Empathetic ownership regarding the damages sustained to your home, as well as the resulting consequences as a result of that loss.
Buildback – Timeline Scheduling – Reconstruction does not happen overnight.
Engineers that understand damages from wind/hail/fire/smoke – all types of damage & construction.
Architects that interpret residential building designs – to include historical requirements.
Large Loss Estimation Personnel with 10+ years of field claims inspection & estimation experience.
Homeowners & Rental Dwelling Policy Interpretation Professionals.
Matterporting Pro’s that can document every detail of your loss & MatterTagging Processes in place
Exterior and Interior Analysis of damages sustained
Building material nomenclature and documentation

We help homeowners handle their residential property insurance claims with greater efficiency, effectiveness & success than they can on their own, with less stress.

** Kansas Insurance Department laws do not allow Public Adjuster’s to represent homeowners claims for them – only commercial claims for now. There is work ongoing to change this law, but for now, it is only commercial claims in KS – which usually DOES include Rental Dwelling Properties. We’ll try and help anyway we can.